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Applying for an American Express Business Card

You could get more from your business expenses with an American Express Business Charge Card.

Eligibility requirements

Before applying for a Business Charge Card, check that both you and your business are eligible. You should be able to say yes to all of the following:

  • I am aged 18 or over
  • I have a permanent address in the UK
  • I have no County Court Judgements for non-payment of debt and neither does my business
  • The business has a current UK Bank or Building Society account
  • For Business Gold Card or Business Platinum Card:
    • I will pay the annual Cardmembership fee of: £125 for a Business Gold Card or £595 for Business Platinum Card
    • I understand that I will not be eligible for any Welcome Bonus award if I currently hold or have held any Membership Rewards-enrolled American Express Card in the past six months

Information you will need when applying

You can apply for an American Express Business Charge Card online. To make the process as quick as possible, ensure you have the relevant information you need before applying.

Personal information:

On the application, the personal details section is where you tell us about yourself. You will need to provide personal information including the following:

  • Your personal annual income
  • You will be asked whether you have an existing American Express Card and if so, please provide the Card number. This can help to speed up the decision-making process.

Business information:

The business details section of the form is where you tell us about your business, including:

  • Business trading address
  • Full registered name of the business, registered trading address as well as the company registration number, where applicable
  • If relevant, details of all individuals who own or control 25% or more of the company’s shares or voting rights (even if these interests are held indirectly)
  • Details of all Directors/ Partners/ Committee Members/ Officers, where applicable. If the business is run by a sole trader, you will need to provide details for this person

To complete the application process, we may request additional details for verification and authentification.

As soon as you’re approved and your Card arrives, activate it and then you can start using your Card.